[Snarf]

Also it should be governed. It's already governed by the community with SteamRep in some ways, marking those who scam/hijack/etc. This is just Valve absorbing it and actually attempting good customer service.
And they don't need to formalize a steam wallet. At least not at first. Again, the SR point above fits here. And when they do add the wallet, or at least 'Mann-co bucks', an item that is worth actual value in the Mann-co store or something, they'll especially need the team to handle disputes, chargebacks, and other stupid crap.
I would LOVE to lead this team, write the processes, the tools required to track stuff, the integration of a true trader rep system, formalize an actual dirt mall in-game where anyone can sell anything at any time, a Mann-Co mall where players can setup their own storefronts. I know the best practices and the coding, and I know how much of a boon to the face of Valve it would be to focus this hard on customer service.

In any event it won't happen because Valve's focus isn't customer service/satisfaction. And it's a shame.

(For the record I get stupid passionate about customer service, process improvement and the like.)

Thing is you can't govern something like this when it is happening with third parties. Like I said, they would HAVE to require you trade solely for things within their control.